Accident Plans

Coverage for the unexpected

This plan covers emergency treatment, hospital admissions, confinements and diagnostic exams, as well as other expenses related to you or an insured family member injured in a covered accident. This plan pays you in addition to any other coverage you may have.

  • You must enroll in the plan by age 70.
  • If you have a covered accident, you receive cash benefits for expenses that may not be fully covered by your medical plan.
  • You don’t need to provide evidence of good health to enroll.
  • There’s no pre-existing conditions exclusion.
  • Actively-at-work provisions apply.
  • Rates and plan stays the same.
  • Aflac Group provides coverage.

 

Typical covered charges include:

Ambulance Emergency room
Surgery and anesthesia Stitches
Casts Wheelchairs
Crutches Bandages
Eligibility

If you purchase coverage for yourself, you may also elect coverage for:

  • Dependent child(ren), up to age 26
Compare coverage options

You can choose a Low or High option. The High option provides higher coverage for each event as shown in the list of benefit levels below.

When coverage ends

You must enroll in the plan by age 70. After age 70, you are only permitted to terminate the plan or decrease your coverage level. Accident coverage is portable, which means you can continue your coverage even if you leave the district.

Claiming benefits

If you or one of your covered dependents is involved in an accident, complete the claim form or call 800-433-3036.

Send your claim form and supporting documentation within 60 days of the accident.

Actively-at-work provision

If you are not actively at work when coverage is scheduled to become effective, your coverage doesn't take effect until you complete your first day at work. Paid leave and paid vacation are not considered being actively at work.

Taking coverage with you

If you leave the district, your accident plan is convertible. That means you can move your coverage to a similar policy that you can take with you. You must be under age 70 to apply for conversion. Retirees are not eligible and other exclusions may apply. For more information about conversion, click here.

Helpful resources

For more information, please refer to your certificate of coverage, available here, or contact Aflac Group at 800-433-3036 between 7 a.m. and 4 p.m. weekdays, excluding holidays. You may also review the Accident plan FAQs.

Rates per pay period
Accident Low
Employee $3.08
Employee + spouse $4.95
Employee + child(ren) $5.99
Employee + family $7.86
Accident High
Employee $5.33
Employee + spouse $8.45
Employee + child(ren) $10.10
Employee + family $13.22
Covered Services
check Accidental death
(Spouse and child benefit only available if you purchase dependent rider)
Employee Low/High $25,000/$50,000
Spouse Low/High $15,000/$25,000
Children Low/High $5,000/$10,000
check Accidental common carrier death
Employee Low/High $50,000/$100,000
Spouse Low/High $30,000/50,000
Children Low/High $10,000/50,000
check Catastrophic accident benefit
Employee Low/High $50,000/$100,000
Spouse Low/High $25,000/$50,000
Children Low/High $25,000/$50,000
check Dismemberment
(benefit varies depending on severity of loss - treatment up to 90 days)
Employee Low/High $100 - $12,500/$100 - $25,000
Spouse Low/High $100 - $5,000/$100 - $10,000
Children Low/High $100 - $2,500/$100 - $5,000
Other Accident Benefits
check Ambulance
Low Option Ground $250/ Air $750
High Option Ground $500/ Air $1,500
check Appliances
(crutches, wheelchair, leg/back braces, walkers)
Low Option $50
High Option $100
check Prosthesis
(hearing aids, wigs or dental aids, including false teeth, are not covered)
Low Option $250
High Option $500
check Laceration
(2" to 5" long requiring stitches)
Low Option $100
High Option $200
check Eye injury
(treatment and surgery within 90 days)
Low Option $125
High Option $250
check Torn knee cartilage
(treatment within 60 days)
Low Option $400 ($100 during first year of coverage)
High Option $400 ($100 during first year of coverage)
check Ruptured disc
(treatment within 60 days; surgical repair within 90 days)
Low Option $400 ($100 during first year of coverage)
High Option $400 ($100 during first year of coverage)
check Tendon, ligament, and rotator cuff
(treatment within 60 days' surgical repair within 90 days)
Low Option $400 (up to $600 for multiple injuries)
High Option $400 (up to $600 for multiple injuries)
check Burns
(treatment within 72 hours)
Low Option Up to $18,000
High Option Up to $18,000
check Concussion
(resulting in electroencephalogram abnormality)
Low Option $100
High Option $200
check Coma
(lasting 30 days or more)
Low Option $5,000
High Option $10,000
check Internal injuries
(resulting in open abdominal or thoracic surgery)
Low Option $500
High Option $1,000
check Exploratory surgery
(without repair, i.e. arthroscopy)
Low Option $125
High Option $250
check Paralysis
(lasting more than 3 months)
Low Option Up to $5,000
High Option Up to $10,000
check Dislocations
(depending on the joint dislocated - diagnosis and treatment within 90 days)
Low Option $120 - $2,025
High Option $240 - $4,050
check Emergency room/medical fees
(maximum per accident)
Low Option -
Employee or spouse $125
Children $50
High Option -
Employee or spouse $250
Children $100
check Doctor's office/follow-up treatment
(up to 6 visits per accident)
Low Option $25 per visit
High Option $35 per visit
check Emergency dental work
Low Option $100
High Option $150
check Major diagnostic exam
(CT, MRI, or EEG)
Low Option $100
High Option $200
check Blood or blood plasma
Low Option $100
High Option $200
check Fractures
(depending on the bone fractured - diagnosis and treatment within 90 days)
Low Option $200 - $3,750
High Option $360 - $6,750
check Hospital admission
Low Option $750
High Option $1,500
check Hospital confinement
(up to 365 days)
Low Option $150 per day
High Option $300 per day
check Hospital intensive care
(up to 30 days)
Low Option $300 per day
High Option $600 per day
check Rehabilitation unit
(up to 30 days)
Low Option $75 per day
High Option $150 per day
check Lodging
(per night/max 30 nights if more than 100 miles from residence for treatment)
Low Option $50
High Option $100
check Transportation
(train, plane or bus if more than 50 miles from residence for treatment)
Low Option $150
High Option $300
check Physical therapy
(up to 6 treatments)
Low Option $25 per visit
High Option $50 per visit

For any benefits question or concern, one call does it all.
Call us at 877-780-HISD (4473)

EMAIL US